``once you get into the weeds, there's always a workaround or a nasty, unintended consequence of one sort or another. Old-fashioned lending often may be riskier than betting it on prop trades anyway. It could take years before regulators figure out the full effects of all the wonderful little loopholes that well-paid bank lobbyists worked into the language. Even if the rules were flawlessly written -- and they never are -- there is the matter of whether they will be enforced consistently, which they tend not to be from one administration to the next.''